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Hutto Home Insurance Made Easy: We Shop. You Save.

 

How much is home insurance in Hutto, Texas? 

The average Hutto, Texas homeowner pays about $1,625 per year for home insurance. At TGS Insurance, our average customer in Hutto, Texas pays $1,013 per year, which means they’re saving $612 annually! 

 

A Look At Standard Home Insurance Policy Coverage

Your home insurance policy consists of six main parts that can be customized based on your coverage needs. It’s meant to protect your dwelling, personal belongings, and any liability claims that may arise against you. Let’s review a bit more about the core components that make up your basic HO-3 home insurance policy: 

 

Dwelling Coverage

Dwelling coverage protects your home’s physical structure and anything attached to it. Your dwelling coverage should always equal the cost to completely rebuild your home in the event of a total loss, and not be based on your home’s worth. If you don’t carry enough dwelling coverage, you would be stuck with any outstanding costs to rebuild your home. 

 

Other Structures Coverage 

This will protect any structures not physically attached to your home, including a detached garage, shed, or fence. 

 

Personal Property Coverage

Everything inside your home including clothing, electronics, furniture, jewelry, etc. will be covered under personal property coverage. 

 

Loss-Of-Use Coverage

If your home suffers catastrophic damage and you’re unable to live there, loss-of-use coverage will provide financial assistance for any hotel or food expenses while repairs are being made until you can move back home. 

 

Personal Liability Coverage

Personal liability coverage would provide financial assistance for any legal expenses incurred if you or a member of your home are responsible for someone getting injured on your property or damage to someone else’s property. 

 

Medical Payments Coverage

This coverage will help pay for any hospital bills or small injuries for guests who are injured on your property. 

 

Average Home Insurance Premiums by Coverage Amount in Hutto, Texas

It’s always a great idea to compare what you’re currently paying for home insurance against the averages because you can easily see if you’re paying too much or too little for home insurance. (Yes, you read that right!) If you’re paying far below the average, you may be underinsured, which means you’re not carrying enough coverage leaving you vulnerable to cover any repairs or fixes yourself. If you’re paying too much, you’re overinsured, meaning you’re carrying too much coverage and would never receive a full payout from insurance, or you’re simply just overpaying for your home insurance policy. Let’s check out the average home insurance premiums in Hutto, Texas based on coverage amount: 

Coverage AmountAverage Annual Premium (incl. Wind Coverage)
$75,000$1,034
$150,000$1,383
$200,000$1,621
$350,000$2,304
Source: Texas Department of Insurance  Methodology based on a homeowner with average credit, owns their home, no claims within the past 5 years, age of house is 10 to 34 years made of brick and includes windstorm coverage. 

 

Popular Home Insurance Policy Endorsements in Hutto, Texas

Your home insurance policy covers the basics, but if you’re looking for additional protection outside of that there are policy endorsements you can add to help fill any gaps in coverage. Let’s review some of the most common home insurance policy endorsements in Hutto, Texas: 

 

  • Water Backup Coverage: This coverage will protect your personal property and home from water damage due to a backed-up sewage system, broken sump pump, and backed-up drains. Coverage starts at $5,000 and this add-on can cost you $20-$50 per year. At TGS Insurance, our average customer pays just $25 per year for water backup coverage! 

 

  • Equipment Breakdown Coverage: This add-on provides coverage for everyday household appliances and systems if they become damaged because of a mechanical or electrical failure. An equipment breakdown policy endorsement provides up to $50,000 in coverage, with a deductible of $250-$500 and is about $20-$50 annually. 

 

  • Scheduled Personal Property Coverage: Your home insurance policy will cover your personal property up to a certain limit. If you’ve got valuables such as antiques, artwork, electronics, furs, firearms, or other expensive items,  that exceed those coverage limits, you’ll want to look at scheduled personal property coverage for extra protection. The cost of scheduled personal property coverage varies depending on what you want to be insured, but usually, coverage is about 1%-2% of the item’s total value. 

 

Why Buy Home Insurance in Hutto, Texas with TGS Insurance 

 

At TGS Insurance, we’ve built our business on the idea that customers should never have to sacrifice the coverage they need for a more affordable rate. We believe your home insurance policy should be equally balanced with the coverage you need, at a fair price. This is why we shop your policy across our bank of 35+ A-rated (or better) carriers to find you your perfect home insurance policy. This ensures you’re getting the best deal the market has to offer! 

 

We don’t just stop at finding you a great quote, we’re you’re one-stop-shop for everything! Our customer care team will then handle the entire enrollment process from start to finish for the easiest, stress-free home insurance shopping experience you’ve ever had. 

 

The best way to save on home insurance (or any insurance policy) is to shop your policy around when it’s time for renewal. At TGS Insurance, we do that for you. When it’s time for your policy to renew, we’ll re-shop around to ensure you’re always paying the lowest the market has to offer with either the same or even better coverage! 

 

Getting home insurance in Hutto, Texas has never been easier or more affordable than with TGS Insurance! Our average customer saves $870 a year, don’t wait to see how much you could be saving! 

 

Zip Codes in Hutto, Texas That We Insure:

 

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

  • 78634

Home Insurance Carriers in Hutto, TX

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Anchor Logo
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TGS Insurance is Hutto's Premier Home Insurance Provider

Hutto neighborhood

Hutto, TX is a growing suburb just outside of Austin located along Highway 79. Known for their city's famed Hutto Hippo mascot, the thriving community is home to many beautiful parks, hiking trails, historic spots, restaurants, shopping spots, community events, and more! TGS Insurance is proud to be one of the leading insurance providers for Hutto, Texas residents.

Hutto neighborhood

All homeowners in Hutto, TX want the same thing- an exceptional home insurance policy at a great rate. At TGS Insurance, we shop your policy across our suite of 35+ A-rated (or better) carriers to find you a policy that's perfectly balanced in coverage and value. As a Texas-owned agency, we win business from Hutto, TX homeowners every day through our extensive industry knowledge, great customer service, and of course- excellent home insurance policies!

Key Home Statistics in Hutto

27,947

Total Population in Hutto, TX

$319,424

Average Home Value in Hutto, TX

$78,942

Median Household Income in Hutto, TX

34

Median Age in Hutto, TX

Trust TGS Insurance in Hutto

Data as of August 01, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Hutto, TX

Image of Carmel Creek Neighborhood

Carmel Creek

Carmel Creek is located just between SH 130 and Highway 79. The master-planned community offers its residents several different luxurious amenities including an amenity center, children's playscape, dog park, hiking and biking trails, swimming pool, and picnic areas.

Image of Enclave at Brushy Creek Neighborhood

Enclave at Brushy Creek

The Enclave at Brushy Creek is a beautiful family-friendly community located just off of Highway 79. Residents of this neighborhood are close to the famous Old Settlers Park, Dell Diamond, and many local shops and eateries.

Image of Green Haven Ranch Neighborhood

Green Haven Ranch

Green Haven Ranch is a new neighborhood in Hutto, TX with a focus on green building. The unique community features an Organic Farm, Learning Center, a native bird and butterfly sanctuary, as well as organic vegetable and fruit trees.

Image of Lakeside Estates Neighborhood

Lakeside Estates

Lakeside Estates is an established neighborhood located just off of SH 130. This quiet community has a pool for residents to enjoy, as well as many restaurants and shops close by.

Image of Park at Brushy Creek Neighborhood

Park at Brushy Creek

Park at Brushy Creek is located just off of Chris Kelley Blvd. near SH 130. This beautiful neighborhood features a swimming pool, clubhouse, hiking and biking trails, and a playground for its residents to enjoy.

Image of Star Ranch Neighborhood

Star Ranch

Star Ranch is a gorgeous community located west of SH 130 near the Golfclub at Star Ranch. Homeowners in this neighborhood have access to many community amenities including a swimming pool, clubhouse, hiking and biking paths as well as a playground.